Financial Highlights
 2018 FQ22017 FQ2 2018 FQ1 
Period Ended6/30/20186/30/2017Y-Y Ch (%)3/31/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets66,457,00065,446,0001.5466,481,000 (0.14)
Total Net Loans44,824,00043,192,0003.7844,700,0001.11
Total Deposits53,580,00052,378,0002.2952,963,0004.66
Equity Attributable to Parent Company7,621,0007,749,000 (1.65) 7,644,000 (1.20)
Total Equity7,621,0007,749,000 (1.65) 7,644,000 (1.20)
Profitability (%)   
Net Income ($000) 197,000168,00017.26238,000 (68.91)
Net Income Attributable to Parent ($000) 197,000168,00017.26238,000 (68.91)
ROAA1.181.0315  bp 1.43 (25)  bp
Core ROAA1.181.0315  bp 1.43 (25)  bp
ROAE10.328.59173  bp 12.48 (216)  bp
ROATCE12.3510.15220  bp 15.29 (294)  bp
Core ROAE10.288.62166  bp 12.48 (220)  bp
Net Interest Margin3.553.514  bp 3.514  bp
Reported: Net Interest Margin3.563.524  bp 3.560  bp
Efficiency Ratio62.0360.27176  bp 60.15188  bp
Noninterest Inc / Operating Rev20.0019.7624  bp 20.29 (29)  bp
Balance Sheet Ratios (%)   
Loans / Deposits84.4283.40102  bp 85.12 (70)  bp
Securities / Assets24.4525.49 (104)  bp 24.62 (17)  bp
Total Equity / Total Assets11.4711.84 (37)  bp 11.50 (3)  bp
Tangible Equity / Tangible Assets10.0910.45 (36)  bp 10.12 (3)  bp
Tang Common Equity / Tang Assets9.239.57 (34)  bp 9.26 (3)  bp
Asset Quality (%)   
NPAs / Assets0.681.00 (32)  bp 0.80 (12)  bp
NPA Excl Restructured / Assets0.520.75 (23)  bp 0.59 (7)  bp
NPAs & 90+ PD / Assets0.691.03 (34)  bp 0.83 (14)  bp
NPAs / Loans & REO0.991.50 (51)  bp 1.18 (19)  bp
Nonaccrual & 90+ & OREO / Assets0.530.78 (25)  bp 0.61 (8)  bp
NPAs & 90+ PD / Loans & REO1.011.55 (54)  bp 1.22 (21)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR6.9810.07 (309)  bp 8.43 (145)  bp
NCOs / Avg Loans(0.11)0.06 (17)  bp 0.04 (15)  bp
Loan Loss Reserves / Gross Loans1.081.24 (16)  bp 1.053  bp
Reserves / NPAs108.7482.822,592  bp 88.452,029  bp
Loan Loss Provision / NCONM100.00NMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 6,359,9446,217,2422.306,333,4601.67
Tier 1 Capital ($000) 6,925,7956,783,0932.106,899,3111.54
Tier 2 Capital ($000) 794,550853,637 (6.92) 770,39612.54
Total Capital ($000) 7,720,3457,636,7301.097,669,7072.64
Total Risk-weighted Assets ($000) 52,013,08350,575,4952.8451,779,3621.81
Tier 1 Common Capital (CET1) Ratio (%) 12.2312.29 (6)  bp 12.230  bp
Tier 1 Ratio (%) 13.3213.41 (9)  bp 13.320  bp
Total Capital Ratio (%) 14.8415.10 (26)  bp 14.813  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.5310.530  bp 10.530  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 195,392,000202,131,000 (3.33) 197,050,000 (3.37)
Avg Diluted Shares (actual) 209,247,000208,183,0000.51210,243,000 (1.89)
Basic Book Value per Share36.1135.541.6035.922.12
As-reported Book Value per Share36.1135.541.6035.922.12
Basic Tangible Book Value per Share30.9130.501.3430.761.95
Reported: Tangible Book Value30.9130.501.3430.761.95
Common Dividends Declared per Share0.240.082000.2080
EPS after Extra0.890.7321.921.09 (73.39)
EPS after Extra Growth (%) 21.9065.90 (4,399)  bp 78.70 (5,677)  bp
Core EPS0.890.7420.271.09 (73.39)
Core EPS Growth (%) 19.3053.10 (3,371)  bp 81.40 (6,208)  bp
Diluted EPS before Amortization0.890.7420.271.09 (73.39)
Pre-Provision Earnings per Share0.920.7326.030.97 (20.62)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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